Home Insurance in Hot Springs, Arkansas
Homes in Hot Springs carry a median value of $165,500 - 15% lower than the Garland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hot Springs was built around 1973. About 31% of homes were built before 1960, about 15 points above Garland County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hot Springs is 65% single-family homes, 22% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
49% of owner-occupied homes in Hot Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Hot Springs are owner-occupied.
In Hot Springs, 51% of homes are primarily heated with electricity.
Garland County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Garland County had 774 active NFIP flood policies as of September 2026. See the full Garland County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $165,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Garland County | 774 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)